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LAST UPDATED: April 18th, 2023

Credit360 was founded in Miami in 2011 to help assist customers repair and restore personal credit. The owner started Credit360 after experiencing his own personal financial hardships in 2008 (economic downturn, divorce, home loss) and feeling at risk of losing his mortgage company.

He combined his education, experience in the mortgage industry, and his personal understanding of challenging life changes and started Credit360 to help others. Credit360’s platform has helped thousands of families and businesses regain control of their finances.

Top Ranked Companies


The Good

  • Good Reputation
  • Educational Resources
  • Understanding Staff
  • Pay-for-Delete Model
  • 100% Money-Back Guarantee

Good Reputation

Credit360 has a lot of great feedback to be found in reviews online. Many reviewers regret not turning to its services sooner and have praise for the format of the company. 

Educational Resources

The subject of credit repair is very sensitive for everyone. Most clientele are coming to benefit from credit repair services in a personal place of sadness, regret, and embarrassment.

Credit360 understands many people were not taught healthy financial habits or even have a clear understanding of credit and its ability to control so many aspects of an individual’s life. Because of this, Credit360 educates customers to not only repair credit, but also build credit. The company provides clear insight into the financial industry in terms customers can understand.  

Understanding Staff

Credit 360 employs analysts and account managers who are sensitive to the type of work they are doing. Many employees have gone through similar circumstances and genuinely want to help others get through the daunting task of repairing credit.

Many customers need emotional support as they open up their most private information to a third party to help them work through. Credit360 has personal account managers for each of its customers that build a relationship of understanding and kindness.   

Pay-for-Delete Model

Credit 360 charges an upfront fee for an audit and then charges its customers with a pay-for-delete model. Once a credit infraction is repaired, the company charges the customer for that specific deletion. For clients with many credit infractions, a company that has a standard monthly charge for unlimited infractions fixed may be a better choice. 

100% Money-Back Guarantee

Credit360’s goal is 100 percent customer satisfaction. It is so committed to this that if at any time a customer is not satisfied with its services, it will reimburse the customer's payment in full. Credit360 wants customers to be happy and recommend its services to friends and family.   


The Bad

  • Pay for Reviews

Pay for Reviews

Clients can earn credit with Credit360 by leaving positive reviews and social media posts recommending its services. Although this is a common practice, customers should be aware that reviews are incentivized by the company. 


The Bottom Line

If you are in the Miami area and need professional assistance in repairing your credit, Credit360 is a good option. The company has good reviews, has been in business for over a decade, and supports clients' future financial goals.

Its platform is set up for customers to pay on individual resolved claims. This is most beneficial for clients who don’t have pages of items to resolve. In that case, you would want to find a company that resolves an unlimited number of items for a monthly charge. 

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Samarra Miller Mulberry, FL

I can say they are professional, efficient and get the job done right. I highly recommend them to anyone trying to repair their credit to buy a car etc great experience

2 years ago


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Rick Froid Park Ridge, IL

Very helpful in rebuilding credit with suggestions to improve credit score thru trusted and documented systems

2 years ago


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SHAN S Fayetteville, NC

They have affordable prices on access to your credit reports. The fees are monthly and based off of subscription renewal.

2 years ago Edited August 22, 2022